I want to raise my credit score, and just how can i have the negitives turned into postives on my credit report...there are people offering that they can clean up your credit fast for a fee. so can someone lead me into the right direction....again I do not have the money for settelments or to pay off large accts
2007-04-11 05:42:50 · 8 answers · asked by fruitsmoothies 1 in Business & Finance ➔ Credit
no!! they only thing they can do it help pay your bills by lowering the payments.. and it takes 7 years from the day u paid them off in full the be removed from your credit report.. Now if someone is say they can do it themselves and remove them they laying to u..
Just pay your bills on time from now on and u will see an improvement..
2007-04-11 05:49:36 · answer #1 · answered by shorty21 5 · 1⤊ 0⤋
Be careful of these companies that offer to reduce your credit for a fee. I lost $300 because I was laid off from my job about a week after I signed up for their service. I was given no refund. The best thing you can do is to sit down and write out all of your debts and income into separate columns. Stop spending money on things you really don't need. Work out a budget, so much for food, utilities and rent, clothing and personal items. Only you can control what you do with your money. Stay away from high interest credit cards. If you don't have the money for it, you don't need it. You didn't get into debt over night and it will take time to clear it up. Do not give up you will be surprised at how quickly the debt will be reduced once you take control. I know I've been there. I have 2 credit cards with low limits and I pay them down and have no desire to increase the limits because I know I will use them. Good Luck You can do this.
2007-04-11 06:01:03 · answer #2 · answered by renaj1938 1 · 0⤊ 0⤋
There are legitimate non-profit Credit Counseling organizations you can find in the Yellow Pages of your local phone book. Although they can lower your payments and mitigate interest and late fees, the downside is you have to cut up an credit cards that you have and have to pay them a lump sum every time you are paid, which they in turn send out to creditors. It usually take 5-7 years to clean up your credit even doing this.
2007-04-11 05:52:57 · answer #3 · answered by bottleblondemama 7 · 0⤊ 0⤋
What totally sucked was the fact that after college I had so much credit card debt that piled up and it was really affecting my credit score. I searched around and tried a few of those debt consolidation sites but found that nothing that I tried really worked. I found this kick *** site that helped me alleviate these problems and I want to share it with you.I helped me out so much and I hope it helps you as well.http://getoutofdebt.5gbfree.com/index.html
2007-04-11 07:38:09 · answer #4 · answered by Amanda H 1 · 0⤊ 0⤋
Call and insist to speak with in-house Collections and request for credit restructuring. Most banks will oblige. But you need to act on the new contract and pay regularly.
2007-04-11 05:52:15 · answer #5 · answered by Ferd 2 · 1⤊ 0⤋
contact hargrave and associates. They do all the work for you. Guaranteed. For 250 bucks they work on cleaning your credit for 6 months. Helped me a ton! I am driving a brand new car because of it. They also do auto and home loans in house.
www.hargraveandassociates.com
2007-04-11 05:51:44 · answer #6 · answered by SheSoFly 3 · 0⤊ 3⤋
contact an investment banker
2007-04-11 08:25:45 · answer #7 · answered by Anonymous · 0⤊ 0⤋
tyr this site it may help you with your Debt and Financial issues... http://www.helpgetfunded.com
2007-04-11 06:48:36 · answer #8 · answered by antivinegar 2 · 0⤊ 0⤋